Nissan Sentra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 5, 2023

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Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra car insurance rates to 2011 Nissan Sentra costs.

So read on to learn how a Nissan Sentra auto insurance  company may calculate your premiums and how to secure cheap car insurance rates.

Never buy Nissan Sentra car insurance without shopping around. We can help you find affordable Nissan Sentra car insurance quotes in your area.

Ready to start shopping for Nissan Sentra rates? Enter your five-digit ZIP code into our FREE quote tool above.

U.S. average insurance rates for a Nissan Sentra are $1,290 a year for full coverage. Comprehensive costs around $206, collision costs $474, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing around $2,830. Teen drivers pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,290

Price estimates for individual coverage:

Comprehensive $206
Collision $474
Liability $452

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Sentra trim levels.

Price Range from Low to High

For a driver around age 40, Nissan Sentra insurance prices go from as low as $504 for your basic liability-only policy to a much higher rate of $2,830 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,290
High Risk $2,830

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $968
Small Cities $1,355
Large Cities $1,742

The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below shows estimated Nissan Sentra insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $738
  • Choosing higher $1,000 deductibles can save about $152 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,290
  • Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,596
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,830 or more
  • The price for full coverage for a 16-year-old driver with full coverage can be $5,046 each year

View Chart as Image

Nissan Sentra insurance cost comparison chart
Column chart showing full coverage Nissan Sentra insurance rates range from $738 to $5,046

Car insurance prices for a Nissan Sentra are also quite variable based on your driving record, the trim level of your Sentra, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Nissan Sentra insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,840 on average in Michigan, Louisiana, and New York.

Nissan Sentra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,166 -$124 -9.6%
Alaska $990 -$300 -23.3%
Arizona $1,072 -$218 -16.9%
Arkansas $1,290 -$0 0.0%
California $1,470 $180 14.0%
Colorado $1,232 -$58 -4.5%
Connecticut $1,328 $38 2.9%
Delaware $1,460 $170 13.2%
Florida $1,614 $324 25.1%
Georgia $1,192 -$98 -7.6%
Hawaii $926 -$364 -28.2%
Idaho $874 -$416 -32.2%
Illinois $962 -$328 -25.4%
Indiana $972 -$318 -24.7%
Iowa $870 -$420 -32.6%
Kansas $1,226 -$64 -5.0%
Kentucky $1,760 $470 36.4%
Louisiana $1,910 $620 48.1%
Maine $796 -$494 -38.3%
Maryland $1,064 -$226 -17.5%
Massachusetts $1,034 -$256 -19.8%
Michigan $2,244 $954 74.0%
Minnesota $1,082 -$208 -16.1%
Mississippi $1,546 $256 19.8%
Missouri $1,146 -$144 -11.2%
Montana $1,386 $96 7.4%
Nebraska $1,018 -$272 -21.1%
Nevada $1,548 $258 20.0%
New Hampshire $932 -$358 -27.8%
New Jersey $1,444 $154 11.9%
New Mexico $1,144 -$146 -11.3%
New York $1,360 $70 5.4%
North Carolina $744 -$546 -42.3%
North Dakota $1,058 -$232 -18.0%
Ohio $892 -$398 -30.9%
Oklahoma $1,324 $34 2.6%
Oregon $1,182 -$108 -8.4%
Pennsylvania $1,232 -$58 -4.5%
Rhode Island $1,722 $432 33.5%
South Carolina $1,170 -$120 -9.3%
South Dakota $1,088 -$202 -15.7%
Tennessee $1,130 -$160 -12.4%
Texas $1,558 $268 20.8%
Utah $956 -$334 -25.9%
Vermont $884 -$406 -31.5%
Virginia $772 -$518 -40.2%
Washington $998 -$292 -22.6%
West Virginia $1,182 -$108 -8.4%
Wisconsin $894 -$396 -30.7%
Wyoming $1,150 -$140 -10.9%

View Chart as Image

Nissan Sentra insurance rates by U.S. city

Choosing high deductibles can save as much as $460 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges from 44% to 138% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Nissan Sentra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Sentra 2 $1,220 $102
Nissan Sentra 2.0 S $1,280 $107
Nissan Sentra 2.0 SR $1,280 $107
Nissan Sentra 2.0 SL $1,328 $111
Nissan Sentra SE-R $1,328 $111
Nissan Sentra SE-R SPEC V $1,362 $114

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Nissan Sentra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Nissan Sentra $228 $530 $430 $1,346
2018 Nissan Sentra $216 $512 $442 $1,328
2017 Nissan Sentra $206 $474 $452 $1,290
2016 Nissan Sentra $198 $446 $456 $1,258
2015 Nissan Sentra $190 $400 $460 $1,208
2014 Nissan Sentra $178 $368 $460 $1,164
2013 Nissan Sentra $172 $346 $464 $1,140
2012 Nissan Sentra $168 $322 $474 $1,122
2011 Nissan Sentra $156 $300 $474 $1,088
2010 Nissan Sentra $150 $272 $478 $1,058
2009 Nissan Sentra $140 $248 $474 $1,020
2008 Nissan Sentra $132 $226 $474 $990
2007 Nissan Sentra $128 $202 $468 $956
2006 Nissan Sentra $126 $198 $460 $942
2005 Nissan Sentra $124 $188 $452 $922
2004 Nissan Sentra $114 $180 $446 $898
2003 Nissan Sentra $110 $170 $442 $880

Rates are averaged for all Nissan Sentra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Nissan Sentra Insurance

Getting lower rates on insurance for a Nissan Sentra takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a quick rundown of the concepts that were covered above.

  • Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,540 more every year to insure a Nissan Sentra
  • Drivers under the age of 20 are the costliest to insure, with premiums as much as $421 a month if full coverage is included
  • Drivers can save up to $160 per year simply by shopping early and online
  • Increasing physical damage deductibles can save around $450 each year
  • Drivers can save up to $160 per year simply by shopping early and online

So is the 2020 Nissan Sentra a good car? We recommended for it’s low insurance cost and great value.

Shopping around will help you save on the cost to insure a Nissan Sentra or any other Nissan model, such as a 2019, 2017, 2013, or 2005 Nissan Stanza. Getting quotes for a model year will also help you decide what year to buy when car shopping.

For example, the 2017 Nissan Sentra insurance cost may be much higher than the 2011 Nissan Sentra cost of insurance. So if you trying to find insurance for a 2017 Nissan Sentra or want to know how much does a 2014 Nissan Sentra cost to insure, start by getting quotes.

Use our free tool below to find how much does a new Nissan Sentra cost to insure.

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What are the safety ratings of the Nissan Sentra?

Great safety features and ratings can lower your insurance rates. This is why a 2002 Nissan Sentra price range might be higher than the Nissan Sentra 2019 cost of insurance, as the 2019 Nissan Sentra will have better safety features.

The Nissan Sentra’s safety features include multiple airbags, vehicle dynamic control (VDC), traction control system (TCS), front collision warning, blind-spot monitoring, and more. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Nissan Sentra the following crash test ratings:

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good

Good is the highest rating possible. Watch the video below for an example of the Nissan Sentra crash test.

In the table below, you can see the different Nissan Sentra crash test ratings as composed by the National Highway Traffic Safety Administration.

Nissan Sentra Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Nissan Sentra 4 DR FWDN/RN/RN/RN/R
2019 Nissan Sentra SR Turbo 4 DR FWDN/RN/R5 stars4 stars
2019 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2019 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2018 Nissan Sentra Turbo 4 DR FWDN/RN/RN/RN/R
2018 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2018 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2017 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2017 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2016 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Nissan Sentra performed well and proves to be a reliable, safe vehicle.

Nissan Sentra Compared Against Other Vehicles in the Same Class

The Nissan Sentra is a small car. The IIHS rated its property damage liability losses as average, but the Nissan Sentra’s bodily injury liability losses are substantially worse than average. This could mean higher liability rates.

See more of the Nissan Sentra insurance loss probability details in the table below.

Nissan Sentra Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Property Damage7%
Personal Injury58%
Medical Payment79%
Bodily Injury41%

The lower the percentage, the better the loss ratio. Unfortunately, the Nissan Sentra is average or worse than average in every category besides comprehensive.

Sometimes liability rates will vary, as 2011 Nissan Sentra trim levels’ liability losses will be different than 2020 losses, but overall the losses for the Nissan Sentra aren’t promising. Take a look at the cars below to see how Nissan Sentra rates compare to other small cars.

Are you still wondering how much does a 2011 or 2014 Nissan Sentra cost to insure? Rates will vary based on model year, like the Nissan Sentra or Stanza 2019 cost will vary from the cost of a Nissan Sentra 2017 or the Nissan Sentra 2005 average price.

One of the best ways to determine prices is to compare quotes. Ready to get started?

Simply enter your five-digit ZIP code into our FREE online tool to find Nissan Sentra insurance rates.



Rates by Driver Age

Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $5,046
20 $3,036
30 $1,336
40 $1,290
50 $1,184
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,596
$250 $1,452
$500 $1,290
$1,000 $1,138

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,290
50/100 $1,452
100/300 $1,565
250/500 $1,859
100 CSL $1,498
300 CSL $1,746
500 CSL $1,927

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $7,186
20 $4,848
30 $2,878
40 $2,830
50 $2,708
60 $2,686

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $71
Homeowner $20
5-yr Accident Free $95
5-yr Claim Free $84
Paid in Full/EFT $58
Advance Quote $65
Online Quote $91
Total Discounts $552
Rate after discounts $738

Discounts are estimated and may not be available from every company or in every state.

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